Lan Zou

Dr. Lan Zou serves as a Postdoctoral Researcher at the Institute of Insurance Economics (IVW) within the School of Finance at the University of St. Gallen, Switzerland. Her professional contact includes email lan.zou@unisg.ch and telephone +41 71 224 79 55. The IVW actively engages in insurance economics research and events such as the annual IVW Jahrestagung.

Her primary research investigates health insurance decision-making, examining how subsidies, deductibles, and choice complexity influence consumer behavior. This work integrates health economics, behavioral economics, and insurance policy analysis, with secondary exploration of corporate finance topics like executive compensation structures. Her methodological approach combines empirical analysis of real-world insurance markets with theoretical modeling of decision processes.

Analysis of her 2019-2024 publications reveals consistent focus on health insurance market dynamics, particularly suboptimal consumer choices and policy interventions. The majority of her work addresses Swiss and international health insurance systems, while her 2019 China-focused study on CEO pay demonstrates cross-disciplinary versatility. Key recurring themes include the social determinants of insurance decisions and welfare implications of market design.

Scientific awards: No honors, fellowships, or medals were documented in the source materials.

Academic advising and research funding: The provided texts contain no references to supervised students, doctoral candidates, or externally funded research projects.

Lan Zou operates within the Institute of Insurance Economics (IVW), a research unit contributing to the University of St. Gallen's insurance-focused academic ecosystem. The IVW participates in industry conferences like WRIEC 2025 and develops continuing education programs including the upcoming Insurance Business Certificate (2026), though her specific involvement in these initiatives remains unspecified.